Back Bay Financial Planning & Investments
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$105,783,887
Clients
86
44% high-net-worth
Advisors
1
of 2 employees
Firm type
Independent
1 advisor with up to 2 employees
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
86
Very HighAverage account size
$1,230,045
About
Back Bay Financial Planning & Investments is a fee-only registered investment adviser that provides investment management and project‑based financial planning to individual and high‑net‑worth clients. Services include continuous portfolio supervision, one‑time project planning engagements that cover topics such as retirement, tax planning, estate planning, and business planning, and coordination with third‑party professionals when requested.
The firm constructs client investment policies and asset‑allocation targets using a mix of analytical approaches (fundamental, technical, cyclical) and Modern Portfolio Theory, and implements both passive and active strategies. Portfolios may be managed directly or via Outside Managers through platforms such as Orion Portfolio Solutions and the Schwab Marketplace, and the adviser discloses discretionary trading authority for client accounts; it may also engage an unaffiliated sub‑advisor to implement options‑based lending strategies (box‑spread contracts).
Notable features that differentiate the firm from many peers are its recent formation and registration in 2025 while overseeing over $100 million in client assets, and its explicit use of fee‑based annuities as part of long‑term income and preservation planning (with related implementation support and insurer‑debit arrangements). The firm also offers project‑based planning with fixed or hourly fees and discloses a sub‑advisory relationship for specialized lending implementations, which are less common among similarly sized, supported advisers.
Client services
Financial planning
Portfolio management
Selection of other advisers
Expertise
Annuities
Retirement withdrawal strategies
College savings (529s, UTMA, etc.)
Cash flow / budgeting
Fee options
Fixed fees ranging from $2,000 to $5,000 for project-based financial planning
$0 - $500,000: 1.25% $500,001 - $1,500,000: 0.75% $1,500,001 - $3,000,000: 0.65% $3,000,001+: 0.50%
$400 per hour
Fee-only: Fee-only firm; no commissions or indirect compensation received.
Main office location
Back Bay Financial Planning & Investments
39682 Sunrise Court #303
Bethany Beach DE 19930, United States
Number of offices
2
Most active in
Back Bay Financial Planning & Investments has reported serving >5 clients in these states in the last 12 months.
Delaware · Maryland
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is not active or affiliated with:
-
Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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